Auto lender · complaint record
Dakota Financial complaints
Filed under Dakota Financial, LLC
Consumers have filed 78 complaints about Dakota Financial since 2017, 12 of them in the last 12 months (-43% on the year before). It answered 58.3% on time and closed 0% with relief for the customer. The most common problem is improper use of your report. It is the 41st most complained-about of 193 auto lenders this year.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 78
- Last 12 months
- 12
- Answered on time
- 58.3%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #41 of 193
Since October 2017
-43% vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: May 12, 2026
Most complained-about auto lenders
Dakota Financial complaints by month
The busiest month was July 2025 (5 complaints). Complaints in the last 12 months are down 43% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Dakota Financial answered all time
- Closed with non-monetary relief11.3%
- Closed with explanation7798.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Dakota Financial complaints are about
Top Dakota Financial problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 33
- Reporting company used your report improperly 7
Where Dakota Financial complaints come from
Most complaints: Georgia (11), Texas (10), New York (8), California (8), North Carolina (5).
Dakota Financial compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | Dakota FinancialAuto loans & leases | - | 12 | - |
Compare side by side: Dakota Financial vs The Savings Group · Dakota Financial vs AC AutoPay LLC, Denver, CO Branch · Dakota Financial vs CARS Acquisition · Dakota Financial vs EA Holdings
What people say about Dakota Financial
All experiencesNo experiences with Dakota Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Dakota Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| May 12, 2026 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Apr 17, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Apr 13, 2026 | Money transfers & apps | Unexpected or other fees | Explained |
| Mar 28, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Mar 8, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jan 21, 2026 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Jan 13, 2026 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Dec 30, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Dec 12, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Dec 11, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Dec 10, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 20, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
Questions about Dakota Financial
How many complaints does Dakota Financial have?
Dakota Financial has 78 complaints on record since October 2017, including 12 in the last 12 months and 0 in the last 30 days. That makes it number 1,343 of every company by complaints this year.
Does Dakota Financial respond to complaints?
Yes. Dakota Financial answered 58.3% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Dakota Financial?
The most common problems are improper use of your report (40), managing the loan or lease (16), problems at the end of the loan or lease (3).
Is Dakota Financial legit?
Dakota Financial is a real company with a public complaint record: consumers have complained about it 78 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Dakota Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about Dakota Financial going up or down?
Down. There were 12 complaints in the last 12 months against 21 in the 12 before (-43%). See every month.
How do I file a complaint against Dakota Financial?
Complain to Dakota Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Dakota Financial complaints come from?
Most come from Georgia (11), Texas (10), New York (8). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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